Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance"

Transcription

1 INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF THE COMMISSIONER Electronic Transactions Proposed New Rules: N.J.A.C. 11:1-47 Proposed Amendments: N.J.A.C. 11:3-15.4, 15.7, and 47.3 Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance Authority: N.J.S.A. 17:1-8.1, 17:1-15e, and 12A:12-1 et seq. Calendar Reference: See Summary below for explanation of exception to calendar requirement Proposal No.: PRN Submit comments by: November 19, 2004 to: Douglas A. Wheeler, Assistant Commissioner Department of Banking and Insurance Legislative and Regulatory Affairs 20 West State Street P.O. Box 325 Trenton, NJ Fax: (609) The agency proposal follows: Summary N.J.S.A. 12A:12-1 et seq., the Uniform Electronic Transactions Act (the Act), enacted June 26, 2001, is designed to ensure that transactions in the electronic marketplace are as enforceable as transactions memorialized on paper and with manual signatures. The Act does not change the substantive rules of law that apply to such transactions. Accordingly, the objective of the Act is limited to providing that an electronic record of a transaction is equivalent to a paper record, and that an electronic signature will be given the same legal effect as a manual

2 2 signature. The statute is based on the final draft of a report issued by the National Conference on Uniform State Laws in July In addition, there is a Federal statute, 15 U.S.C et seq., which was enacted in 2000, which similarly provides for the validity of electronic records and signatures in commerce, including insurance transactions. The Act essentially provides that a record or signature may not be denied legal effect or enforceability solely because it is in electronic form. In addition, a contract may not be denied legal effect or enforceability solely because an electronic record was used in its formation. Finally, the Act provides that any law requiring a writing will be satisfied by an electronic record and that any signature requirement in any law will be met if there is an electronic signature. The Act sets forth details in order to enforce these general precepts, such as determining when information is legally delivered in electronic form, when delivery occurs, requirements for retention of electronic records, and procedures applicable to changes and errors in electronic records. The Act specifically does not apply to various actions, including the cancellation or termination of health insurance or life insurance policies. Numerous statutes and rules governing transactions between insurers or producers and other parties reference submissions in writing, some of which also require a signature. In order to recognize and reflect the intent of the Legislature in authorizing electronic records and signatures in the creation of contracts, the Department of Banking and Insurance (Department) is proposing new rules and amendments to provide that whenever a statute or rule administered by the Department requires that a transaction between a carrier or producer and an applicant, insured or other party be in writing, with or without a signature, such transaction or record may be made electronically, provided the requirements of N.J.S.A. 12A:12-1 et seq. are satisfied. The term carrier includes: insurers; medical, hospital, dental and health service corporations;

3 3 dental plan organizations; and health maintenance organizations. In addition, the rules expressly do not apply to cancellation or terminations of any insurance coverages. While the Department notes that the Act limits such exceptions solely to cancellation and termination of health and life insurance benefits, the Department believes that it is reasonable and appropriate, and consistent with the intent of the Act, to require cancellations and terminations of any insurance coverage to continue to be made in a non-electronic written form, given the ramifications to policyholders that result from such actions. The proposed new rules also do not apply to filings with the Department. The use of electronic filings with the Department is addressed through existing procedures, such as the System for Electronic Rates and Forms Filings (SERFF). Except as noted below concerning certain automobile insurance transactions, the Department is not mandating the procedures by which carriers shall comply with the rules or the Act. The Department believes that it is appropriate to provide carriers and producers with sufficient flexibility to develop procedures that they deem appropriate in order to facilitate electronic transactions, while complying with all applicable provisions of law. The Department stresses that the Act requires that the parties to the transaction agree to performing the transaction electronically or creating the record electronically, and that nothing in the Act or these rules requires that any transaction, which otherwise would be made in writing, be made electronically. The proposed new rules and amendments merely recognize the existing provisions of the Act, which permit such transactions and records to be created electronically. Ultimately, this will benefit consumers, as well as carriers and producers, by recognizing additional means of creating records or entering into transactions which are currently utilized in other areas of commerce, such as internet sales and telephone sales of various products and services.

4 4 Proposed N.J.A.C. 11: sets forth the purpose and scope of the proposed new rules. Proposed N.J.A.C. 11: sets forth the definitions of terms used throughout the subchapter. Proposed N.J.A.C. 11: sets forth the requirements for the use of electronic transactions. As noted above, the rule generally refers to the Act in terms of requirements for electronic transactions. The rule reiterates the requirement in the Act that all parties shall agree to the use of electronic records for such a transaction to be given effect. In addition, carriers and producers are required to develop appropriate procedures for the use of electronic transactions in their dealings with applicants, insureds or any other party. Finally, the procedures developed by carriers shall be a part of their underwriting rules, to the extent the underwriting rules are subject to review and approval by the Commissioner of Banking and Insurance (Commissioner). If underwriting rules are not subject to prior review and approval, then the procedures shall be included in the carrier s or producer s business plan. This recognizes that carriers and producers should be in a position to develop written procedures for the use of electronic records that recognize the requirements for the use of such electronic records as set forth in the Act, and which also ensure that such procedures are consistent with other requirements of law. Proposed N.J.A.C. 11: sets forth penalties for violations of the subchapter. The Department is also proposing amendments to N.J.A.C. 11:3-15.4, 15.7 and 47.3, to specifically address the how the existing procedures concerning providing the Automobile Insurance Buyers Guide Coverage Selection Form and Automobile Insurance Consumer Bill of Rights to applicants and insureds and providing the insurance scenarios to applicants can be reconciled with permitting transactions in electronic format. The Department is also proposing to delete N.J.A.C. 11:3-15.7(e) as no longer necessary.

5 5 Specifically, the rules proposed to be amended currently require that a Buyer s Guide, Coverage Selection Form, Automobile Insurance Consumer Bill of Rights and insurance scenarios be provided with an application for private passenger automobile insurance. If, as is permitted under the Act, the application process is performed electronically such as via telephone, and coverage may be bound during the telephonic transaction, the requirement that these documents be provided with an application would not be feasible. Moreover, these requirements would only serve to slow down the application process, rather than expedite it, to the detriment of consumers and inconsistent with the goal of the Act. However, applicants for private passenger automobile insurance are required to be provided with this information to enable them to make informed choices about the insurance coverage they buy. In order to realize all of these goals, the proposed amendments require that insurers shall provide a copy of the relevant document within five business days after the electronic transaction is completed. Insureds may then alter coverages or limits based on a review of the information provided, with such change to be effective after receipt by the insurer as set forth in N.J.A.C. 11:3-15.7(d)2. A 60-day comment period is provided for this notice of proposal, and therefore, pursuant to N.J.A.C. 1:30-3.3(a)5, the proposal is not subject to the provisions of N.J.A.C. 1: and 3.2 governing rulemaking calendars. Social Impact These proposed new rules and amendments should have a positive social impact on New Jersey's insurance marketplace by making the insurance transaction more efficient and by minimizing the hurdles faced by consumers in obtaining insurance. The potential financial

6 6 affects of the increases in efficiency that will result from these new rules and amendments are discussed in the economic impact statement below. As noted above, the proposed new rules and amendments further the intent of the Legislature as set forth in the Act and are consistent with the intent of Congress as set forth in 15 U.S.C et seq. that electronic signatures and records be permitted and recognized in entering into contracts provided certain safeguards are met. The proposed new rules and amendments merely reflect the existing statutory framework for the use of electronic records and transactions. The proposed new rules and amendments do not mandate that electronic transactions be utilized. Ultimately, these procedures should benefit consumers, as well as carriers, producers, and the insurance market generally, by providing additional means by which insurance transactions may be entered into or by which required notices or information may be provided, to expedite existing processes and avoid unnecessary time and expense in delivering notices in hard copy. Economic Impact Carriers and producers will be required to develop procedures for the use of electronic transactions consistent with the requirements in the Act if they choose to enter into such transactions electronically. No party is required to enter into any transaction through electronic means. The rules merely reflect the provisions of the Act, which recognize such electronic records and transactions. The Department believes that the procedures established by the Act and recognized in these proposed new rules and amendments ultimately will provide carriers and producers greater flexibility with respect to insurance transactions, reduce unnecessary mailing and duplication costs, increase productivity and streamline the application process for

7 7 consumers. These actions will, in turn, benefit consumers, carriers, producers and the insurance market generally. With regard to consumers, the anticipated increases in the efficiency and the productivity of producers and insurers should ultimately result in reduced administrative costs which, in turn, should put downward pressure on rates. The Department believes that any additional costs insurers may incur in the short term in developing and implementing revised procedures if they opt to process and/or record transactions electronically will be outweighed by the long-term benefits to be achieved. Federal Standards Statement The use of electronic records and signatures in insurance transactions are subject to Federal law, 15 U.S.C et seq, as well as State law, N.J.S.A. 12A:12-1 et seq. The Department believes that the proposed new rules and amendments are consistent with existing New Jersey law and do not impose any burdens greater than those imposed by the Federal law with respect to the electronic transactions to which the rules will apply. Jobs Impact Through recognition of the use of electronic transactions in insurance transactions, additional means of delivery of insurance products may be provided, thereby expanding access to such products. This, in turn, may contribute to a healthy business climate in New Jersey, which may have a positive impact on jobs. The Department invites commenters to submit any data or studies concerning the jobs impact on the proposed new rules and amendments together with their comments on other aspects of the proposal.

8 8 Agriculture Industry Impact The proposed new rules and amendments will not have any impact on the agriculture industry in New Jersey. Regulatory Flexibility Analysis The proposed new rules and amendments do not directly impose reporting, recordkeeping or other compliance requirements on small businesses, as defined under the Regulatory Flexibility Act, N.J.S.A. 52:14B-16 et seq. These requirements are imposed by the Act. Small businesses affected by these requirements would be carriers authorized to transact business in this State, and resident producers licensed in this State. The proposed new rules and amendments do not provide any differentiation based on business size. As noted above, the proposed new rules and amendments generally reference the requirements in the Act for the use of electronic transactions. The use of such electronic means is not mandatory and, in any event, the Act does not provide any differentiation in compliance requirements specifically based on business size. Such differentiation would not be feasible since the Act establishes a uniform framework for the use of electronic transactions by all entities. In addition, the proposed amendments attempt to reconcile the use of electronic transactions in the provision of private passenger automobile insurance with the existing statutory and regulatory framework regarding the delivery of certain documents at the time of application for such insurance. The Department does not believe that these requirements impose an undue burden on carriers or producers and, as noted above, the use of electronic transactions is not mandatory. The Department does not

9 9 believe that additional professional services will be necessary to comply with the requirements of these proposed new rules and amendments or the Act. For the foregoing reasons, the proposed new rules and amendments provide no differentiation in compliance requirements based on business size. Smart Growth Impact The proposed new rules and amendments will have no impact on the achievement of smart growth or the implementation of the State Development and Redevelopment Plan. Full text of the proposal follows (additions indicated in boldface thus; deletions indicated in brackets [brackets]):

10 10 SUBCHAPTER 47. ELECTRONIC TRANSACTIONS 11: Purpose and scope (a) This subchapter recognizes and permits electronic transactions between carriers or producers, and applicants, insureds, or other parties. (b) This subchapter applies to all transactions between carriers and producers, and an applicant, insured or other party for all kinds of insurance pursuant to Titles 17 and 17B of the New Jersey Statutes. This subchapter shall also apply to transactions involving the PAIP and CAIP. This subchapter shall not apply to cancellation, nonrenewal or termination of any insurance coverage. This subchapter shall not apply to filings required to be made with the Department. 11: Definitions The following words and terms, when used in this subchapter, shall have the following meanings, unless the context clearly indicates otherwise. CAIP means the Commercial Automobile Insurance Plan established pursuant to N.J.S.A. 17:29D-1 and N.J.A.C. 11:3-1. Carrier means an insurance company, health service corporation, hospital service corporation, medical service corporation, dental service corporation, dental plan organization or health maintenance organization approved, authorized, admitted, or eligible to transact business in this State pursuant to Titles 17, 17B or 26 of the New Jersey Statutes, as applicable.

11 11 Commissioner means the Commissioner of the New Jersey Department of Banking and Insurance. Department means the New Jersey Department of Banking and Insurance. Electronic record is as defined in N.J.S.A. 12A:12-2. Electronic signature is as defined in N.J.S.A. 12A:12-2. PAIP means the Personal Automobile Insurance Plan established pursuant to N.J.S.A. 17:29D-1 and N.J.A.C. 11:3-2. Producer means a person required to be licensed pursuant to N.J.S.A. 17:22A-26 et seq. to sell, solicit or negotiate insurance in this State. Record is as defined in N.J.S.A. 12A: : Electronic transactions (a) To the extent any statute or rule requires that a transaction or record related thereto between a carrier or a producer and an applicant, insured or other party be in writing, with or without a signature, such transaction or record may be made electronically, provided the requirements of N.J.S.A. 12A:12-1 et seq. with respect to the use of electronic transactions, are satisfied. (b) All parties shall agree to the use of electronic records in order for such transactions to be given effect. (c) Carriers and producers shall develop appropriate procedures for the use of electronic transactions in their dealings with applicants, insureds or any other party. The procedures shall provide for the use of electronic records and transactions consistent with all requirements of law.

12 12 (d) All procedures shall be part of a carrier s underwriting rules, to the extent underwriting rules are subject to review and approval by the Commissioner. If underwriting rules are not subject to review and approval, such procedures shall be included in the carrier s or producer s business plan. 11: Penalties Failure to comply with the provisions of this subchapter may result in the imposition of penalties as authorized by law, including, but not limited to, penalties authorized pursuant to N.J.S.A. 17:33-2 and 17B:21-2. SUBCHAPTER 15. BUYER S GUIDE, COVERAGE SELECTION FORM, AND AUTOMOBILE INSURANCE CONSUMER BILL OF RIGHTS FOR STANDARD AND BASIC POLICIES 11: Compliance (a) No new private passenger automobile insurance policy or renewal shall be issued on or after July 13, 2004 unless the application for the policy or renewal is accompanied by a Buyer s Guide, a Coverage Selection Form and an Automobile Insurance Consumer Bill of Rights that meet the minimum standards prescribed in this subchapter. 1. (No change). 2. Where application for or renewal of an insurance policy is made via the internet, compliance with (a) above shall be satisfied by having the Buyer s Guide, Coverage Selection Form and Automobile Insurance Consumer Bill of Rights readily available to the applicant/insured on the insurer s web site.

13 13 3. Where application for or renewal of an insurance policy is made via the telephone and coverage is bound during the telephonic transmission, compliance with (a) above shall be satisfied if the insurer, with the agreement of the applicant or insured, sends the insured the Buyer s Guide, a completed Coverage Selection Form showing the coverage choices made by the insured, and an Automobile Insurance Consumer Bill of Rights within five business days after the telephonic transaction is completed. Insureds may alter coverages based on their review of such documents by returning a signed Coverage Selection Form with the changes noted therein, or electronically, if such process is made available by the insurer. Such alterations shall be effective in accordance with N.J.A.C. 11:3-15.7(d)2. (b) (d) (No change.) 11: Use of coverage selection form; availability (a) (c) (No change.) (d) All coverage changes that are required to be made by a signed Coverage Selection Form, either by this subchapter or by the insurer, shall become effective in the following manner, except when coverage for comprehensive or collision is effected by a required inspection pursuant to N.J.A.C. 11: (No change.) 2. For mid-term policy changes, the choices on the Coverage Selection Form shall be effective the day following the date of postmark or, when personal delivery is made or if the postmark is illegible, the day following receipt of the signed Coverage Selection Form by the insurer or an insurance producer. If the change is made electronically, the change shall be

14 14 effective the day following date of receipt as determined in accordance with N.J.S.A. 12A:12-15; 3. (No change.) [(e) With the knowledge and consent of an insured or applicant, an insurer may transmit the Buyer s Guide and Coverage Selection Form to the applicant or insured by facsimile or electronic transmission. For purposes of this subchapter, insurers may make the Buyer s Guide and Coverage Selection Forms available at a website or by . Where applicants and policyholders obtain copies of these documents by or website, it shall not be necessary for insurers to also mail a copy of the document to the insured or applicant. A signed Coverage Selection Form may be transmitted to the insurer by facsimile but not by electronic mail.] 11: Insurance scenarios (a) Pursuant to N.J.S.A. 17:29A-52, insurers and insurance producers shall provide insurance scenarios in accordance with this subchapter (No change.) 4. Where application for an insurance policy is made via the internet, compliance with (a)1 above shall be satisfied by having the insurance scenarios readily available to the applicant on the insurer s web site. 5. Where application for an insurance policy is made via the telephone and coverage is bound during the telephonic transmission, compliance with (a)1 above shall be satisfied if the insurer, with the agreement of the applicant, sends the applicant the insurance scenarios within five business days after the telephonic transaction is completed. Insureds may alter coverages based on their review of the insurance scenarios by returning

15 15 a signed Coverage Selection Form with the changes noted therein, or electronically, if such process is made available by the insurer. Such alterations shall be effective in accordance with N.J.A.C. 11:3-15.7(d)2. (b) (g) (No change.) JC04-06/inoregs

Filing Requirements for Policies, Certificates and Premium Rates. Holly C. Bakke, Commissioner, Department of Banking and Insurance

Filing Requirements for Policies, Certificates and Premium Rates. Holly C. Bakke, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medicare Supplement Coverage Filing Requirements for Policies, Certificates and Premium Rates Notice to Policyholders of Rate Increases

More information

of exception to calendar requirement.

of exception to calendar requirement. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Insurance Scenarios Proposed New Rules: N.J.A.C. 11:3-47 Authority: N.J.S.A. 17:1-8.1, 17:1-15e, and 17:29A-52 Calendar Reference: See

More information

Medical Malpractice Insurance Renewal and Nonrenewal Notices. Holly C. Bakke, Commissioner, Department of Banking and Insurance

Medical Malpractice Insurance Renewal and Nonrenewal Notices. Holly C. Bakke, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medical Malpractice Insurance Renewal and Nonrenewal Notices Proposed Amendment: N.J.A.C. 11:1-20.2 Proposed New Rule: N.J.A.C. 11:27-6

More information

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Commercial Automobile Insurance Plan New Jersey Personal Automobile Insurance Plan Definitions; Governing Committees Proposed Amendments:

More information

Authorized By: Neil N. Jasey, Commissioner, Department of Banking and Insurance

Authorized By: Neil N. Jasey, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF PROPERTY CASUALTY Personal Lines: Rate Filing Review Procedures Proposed Amendments: N.J.A.C. 11:1-2A.1 and 45.1, and 11:3-18. Authorized By: Neil

More information

Steven M. Goldman, Commissioner, Department of Banking and

Steven M. Goldman, Commissioner, Department of Banking and INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Personal Injury Protection Benefits; Medical Protocols; Diagnostic Tests Deductibles and Co pays Proposed Amendment: N.J.A.C. 11:3 4.4

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance. N.J.A.C. 17:1-8.1, 17:1-15e, and 17:22A-26 et seq.

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance. N.J.A.C. 17:1-8.1, 17:1-15e, and 17:22A-26 et seq. INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF CONSUMER PROTECTION SERVICES Insurance Producers Standards of Conduct: Commissions and Fees Fees Proposed Amendment: N.J.A.C. 11:17B-3.1 Authorized

More information

Collision and Comprehensive Coverage Deductibles and Options. Holly C. Bakke, Commissioner of Banking and Insurance

Collision and Comprehensive Coverage Deductibles and Options. Holly C. Bakke, Commissioner of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Collision and Comprehensive Coverage Deductibles and Options Proposed Amendment: N.J.A.C. 11:3-13.3 Authorized By: Holly C. Bakke, Commissioner

More information

Steven M. Goldman, Commissioner, Department of Banking and Insurance. N.J.S.A. 17:1-8.1, 17:1-15e and 17:29AA-1 et seq.

Steven M. Goldman, Commissioner, Department of Banking and Insurance. N.J.S.A. 17:1-8.1, 17:1-15e and 17:29AA-1 et seq. INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF PROPERTY AND CASUALTY Commercial Lines Insurance: Policy Form Standards Defense Costs Within Policy Limits Proposed Amendment: N.J.A.C. 11:13-7.3

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF SOLVENCY REGULATION Workers Compensation Security Fund Proposed Amendments: N.J.A.C. 11:1 46.1 through 46.3 Authorized By: Steven M. Goldman, Commissioner,

More information

Steven M. Goldman, Commissioner, Department of Banking and Insurance. N.J.S.A. 17:1-8.1, 17:1-15e, 17:22-6.14a3 and 17:29C-1 et seq.

Steven M. Goldman, Commissioner, Department of Banking and Insurance. N.J.S.A. 17:1-8.1, 17:1-15e, 17:22-6.14a3 and 17:29C-1 et seq. INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF PROPERTY/LIABILITY Prohibition of Certain Cancellation and Nonrenewal Activity Proposed Amendments: N.J.A.C. 11:1-22.2 and 22.5 Proposed New Rules:

More information

N.J.A.C. 11:22-3, Appendix Exhibits 1A and 1B. Holly C. Bakke, Commissioner, Department of Banking and Insurance

N.J.A.C. 11:22-3, Appendix Exhibits 1A and 1B. Holly C. Bakke, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Health Benefit Plans Electronic Receipt and Transmission of Health Insurance Claims Proposed Amendments: N.J.A.C. 11:22-3.2 and 3.3 Proposed

More information

Holly C. Bakke, Commissioner, Department of Banking and Insurance. Authority: N.J.S.A.17:30D-17(a) and (b) and P.L. 2004 c. 17

Holly C. Bakke, Commissioner, Department of Banking and Insurance. Authority: N.J.S.A.17:30D-17(a) and (b) and P.L. 2004 c. 17 INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medical Malpractice Reporting Requirements Proposed Amendments: N.J.A.C. 11:1-7.1 and 7.3 Authorized By: Holly C. Bakke, Commissioner,

More information

Automobile Insurance Reporting Requirements and Filing Deadlines. Proposed Amendments: N.J.A.C. 11:3-3.5, 16.15 and 22.3

Automobile Insurance Reporting Requirements and Filing Deadlines. Proposed Amendments: N.J.A.C. 11:3-3.5, 16.15 and 22.3 INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Automobile Insurance Reporting Requirements and Filing Deadlines Proposed New Rules: N.J.A.C 11:3-3A Proposed Amendments: N.J.A.C. 11:3-3.5,

More information

INSURANCE DIVISION OF INSURANCE Administration New Jersey Property-Liability Insurance Guaranty Association Assessment Premium Surcharge

INSURANCE DIVISION OF INSURANCE Administration New Jersey Property-Liability Insurance Guaranty Association Assessment Premium Surcharge INSURANCE DIVISION OF INSURANCE Administration New Jersey Property-Liability Insurance Guaranty Association Assessment Premium Surcharge Proposed Amendment: N.J.A.C. 11:1-6.3 Authorized By: Holly C. Bakke,

More information

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance.

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medical Malpractice Insurance Premium Payment Installments Proposed New Rule: N.J.A.C. 11:27-4 Authorized By: Holly C. Bakke, Commissioner,

More information

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance.

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance. BANKING DEPARTMENT OF BANKING AND INSURANCE DIVISION OF BANKING Check Cashing Deposits Proposed Amendments: N.J.A.C. 3:24-1.3 and 5.5 Authorized By: Donald Bryan, Acting Commissioner, Department of Banking

More information

Steven M. Goldman, Commissioner, Department of Baking and Insurance.

Steven M. Goldman, Commissioner, Department of Baking and Insurance. INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF SOLVENCY REGULATION FAIR Plan Surcharge Proposed Amendment: N.J.A.C. 11:1-5.1 Authorized By: Steven M. Goldman, Commissioner, Department of Baking

More information

Insurance Producer Standards of Conduct: Commissions and Fees. Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance.

Insurance Producer Standards of Conduct: Commissions and Fees. Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Insurance Producer Standards of Conduct: Commissions and Fees Proposed Amendments: N.J.A.C. 11:17B-1.3, 3.1 and 3.2 Authorized By: Holly

More information

Activities For Which A Person Must Be Licensed As An Insurance Producer Or Registered As A Limited Insurance Representative

Activities For Which A Person Must Be Licensed As An Insurance Producer Or Registered As A Limited Insurance Representative INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Insurance Producer Standards Of Conduct: Marketing Activities For Which A Person Must Be Licensed As An Insurance Producer Or Registered

More information

Authorized By: Kenneth E. Kobylowski, Acting Commissioner, Department of Banking and

Authorized By: Kenneth E. Kobylowski, Acting Commissioner, Department of Banking and INSURANCE 44 NJR 4(1) April 2, 2012 Filed March 2, 2012 DEPARTMENT OF BANKING AND INSURANCE DIVISION OF LIFE AND HEALTH Minimum Standards for Individual Health Insurance Disability Income Protection Coverage

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF PROPERTY CASUALTY Commercial Lines Insurance Proposed Readoption with Amendments: N.J.A.C. 11:13 Proposed Repeal: N.J.A.C. 11:13 3 Authorized By:

More information

Minimum Standards for Specified Disease and Critical Illness Coverages

Minimum Standards for Specified Disease and Critical Illness Coverages INSURANCE 42 N.J.R. 8(2) August 16, 2010 Filed July 19, 2010 DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE OFFICE OF LIFE AND HEALTH Term Life Insurance Comparison Survey Minimum Standards

More information

Medical Malpractice Insurance General Provisions; Optional Policy Provision Right to Settle

Medical Malpractice Insurance General Provisions; Optional Policy Provision Right to Settle INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medical Malpractice Insurance General Provisions; Optional Policy Provision Right to Settle Proposed New Rules: N.J.A.C. 11:27-1 and

More information

Limitations on the Use of Specific Terms or Designations in the Sale of Life Insurance

Limitations on the Use of Specific Terms or Designations in the Sale of Life Insurance INSURANCE 42 N.J.R. 10(1) October 4, 2010 Filed September 8, 2010 DEPARTMENT OF BANKING AND INSURANCE OFFICE OF CONSUMER PROTECTION SERVICES Limitations on the Use of Specific Terms or Designations in

More information

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Health Benefit Plan Electronic Receipt and Transmission of Health Care Claims Use of Clearinghouses in Electronic Transactions Proposed

More information

Proposed Amendments: N.J.A.C. 11:3-1.1, 1.2, 1.4, 1.6, 1.7, 1.8, and 1.9

Proposed Amendments: N.J.A.C. 11:3-1.1, 1.2, 1.4, 1.6, 1.7, 1.8, and 1.9 INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Commercial Automobile Insurance Plan Proposed Amendments: N.J.A.C. 11:3-1.1, 1.2, 1.4, 1.6, 1.7, 1.8, and 1.9 Authorized By Holly C.

More information

42 NJR 7(2) July 19, 2010 Filed June 30, 2010. Authorized By: Thomas B. Considine, Commissioner, Department of Banking and Insurance.

42 NJR 7(2) July 19, 2010 Filed June 30, 2010. Authorized By: Thomas B. Considine, Commissioner, Department of Banking and Insurance. INSURANCE 42 NJR 7(2) July 19, 2010 Filed June 30, 2010 DEPARTMENT OF BANKING AND INSURANCE OFFICE OF PROPERTY AND CASUALTY Changes to Medical Malpractice Liability Insurance Rates Proposed New Rules:

More information

Actuarial Services Life/Health/Annuity Forms; Standards for Individual Life Insurance Policy Forms; Individual Annuity Contract Form Standards

Actuarial Services Life/Health/Annuity Forms; Standards for Individual Life Insurance Policy Forms; Individual Annuity Contract Form Standards INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF LIFE AND HEALTH Actuarial Services Life/Health/Annuity Forms; Standards for Individual Life Insurance Policy Forms; Individual Annuity Contract Form

More information

Authorized By: Kenneth E. Kobylowski, Commissioner, Department of Banking and Insurance.

Authorized By: Kenneth E. Kobylowski, Commissioner, Department of Banking and Insurance. INSURANCE 46 NJR 5(2) May 19, 2014 Filed April 16, 2014 DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Office of the Insurance Claims Ombudsman Proposed Readoption with Amendments: N.J.A.C.

More information

INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE

INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Individual Annuity Contract Form Standards Standards for Contracts on a Variable Basis Proposed Amendments: N.J.A.C. 11:4-43.3 and 44.3

More information

Proposed Amendments: N.J.A.C. 11:4-23A.2, 23A.6 and 23A.12. Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance

Proposed Amendments: N.J.A.C. 11:4-23A.2, 23A.6 and 23A.12. Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medicare Supplement--Under 50 Coverage Proposed Amendments: N.J.A.C. 11:4-23A.2, 23A.6 and 23A.12 Authorized By: Holly C. Bakke, Commissioner,

More information

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Recovery of Fugitive Fees by Surety Companies Proposed New Rules: N.J.A.C. 11:1-40 Proposed Amendment: N.J.A.C. 11:17B-3.2 Authorized

More information

Proposed New Rules: N.J.A.C. 11:4-34.29 and 34.30, and 11:4-34 Appendices J and K. Steven M. Goldman, Commissioner, Department of Banking and

Proposed New Rules: N.J.A.C. 11:4-34.29 and 34.30, and 11:4-34 Appendices J and K. Steven M. Goldman, Commissioner, Department of Banking and INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF LIFE AND HEALTH Long-Term Care Insurance Training Requirements; Partnership Policies General Requirements Proposed New Rules: N.J.A.C. 11:4-34.29

More information

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Pharmacy Benefits Cards Proposed New Rules: N.J.A.C. 11:4-55 Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance

More information

Officers, Directors and Board Members of Medical Malpractice Insurers

Officers, Directors and Board Members of Medical Malpractice Insurers INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Officers, Directors and Board Members of Medical Malpractice Insurers Proposed New Rule: N.J.A.C. 11:27-8 Authorized By: Holly C. Bakke,

More information

Holly C. Bakke, Commissioner, Department of Banking and Insurance. Authority: N.J.S.A.17:1-8.1, 17:1-15e and 17:30D-31 (P.L. 2004 c.

Holly C. Bakke, Commissioner, Department of Banking and Insurance. Authority: N.J.S.A.17:1-8.1, 17:1-15e and 17:30D-31 (P.L. 2004 c. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medical Malpractice Insurance Prohibited Premium Increase Proposed New Rules: N.J.A.C. 11:27-5 Authorized By: Holly C. Bakke, Commissioner,

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance BANKING DEPARTMENT OF BANKING AND INSURANCE DIVISION OF BANKING Audit Requirements Proposed Readoption with Amendments: N.J.A.C 3:29 Authorized By: Steven M. Goldman, Commissioner, Department of Banking

More information

Proposed Amendments: N.J.A.C. 11:4-23.3 and 23.11. Authorized By: Holly C. Bakke, Commissioner, Department of

Proposed Amendments: N.J.A.C. 11:4-23.3 and 23.11. Authorized By: Holly C. Bakke, Commissioner, Department of INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medicare Supplemental Insurance Proposed Amendments: N.J.A.C. 11:4-23.3 and 23.11 Authorized By: Holly C. Bakke, Commissioner, Department

More information

Authorized By: Peter C. Harvey, Attorney General of New Jersey. Authority: N.J.S.A. 17:33A-1 et seq., Executive Reorganization

Authorized By: Peter C. Harvey, Attorney General of New Jersey. Authority: N.J.S.A. 17:33A-1 et seq., Executive Reorganization LAW AND PUBLIC SAFETY OFFICE OF THE ATTORNEY GENERAL Office of the Insurance Fraud Prosecutor Insurer Reporting Requirements Proposed New Rules: N.J.A.C. 13:88-2 Authorized By: Peter C. Harvey, Attorney

More information

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance.

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance. BANKING DEPARTMENT OF BANKING AND INSURANCE DIVISION OF BANKING Credit Union Parity Proposed Amendment: N.J.A.C. 3:21-2.1 Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance.

More information

Medical Malpractice Liability Insurers - Biennial Reporting of Rate Modifiers

Medical Malpractice Liability Insurers - Biennial Reporting of Rate Modifiers INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF PROPERTY AND CASUALTY Medical Malpractice Liability Insurers - Biennial Reporting of Rate Modifiers Proposed New Rules: N.J.A.C. 11:27-13 Authorized

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE New Jersey Commercial Automobile Insurance Plan New Jersey Personal Automobile Insurance Plan Definitions; Governing Committees Reproposed

More information

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance.

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medical Malpractice Liability Insurance Purchasing Alliances Proposed New Rules: N.J.A.C. 11:27-9 Authorized By: Donald Bryan, Acting

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance.

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance. BANKING DEPARTMENT OF BANKING AND INSURANCE DIVISION OF BANKING Registrar and Transfer Agents Proposed Readoption with Amendment: N.J.A.C. 3:12 Authorized By: Steven M. Goldman, Commissioner, Department

More information

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance.

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Actuarial Services "40 States" File and Use Standards and Procedures Reproposed New Rules: N.J.A.C. 11:4-40A Authorized By: Holly C.

More information

Joint Insurance Funds for Local Government Units Providing Property and Liability Coverages

Joint Insurance Funds for Local Government Units Providing Property and Liability Coverages INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Group Self-Insurance Joint Insurance Funds for Local Government Units Providing Property and Liability Coverages Proposed Amendments:

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance.

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Health Benefit Plans Health Insurance Identification Cards Proposed New Rules: N.J.A.C. 11:22-8 Authorized By: Steven M. Goldman, Commissioner,

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medical Malpractice Liability Insurance Structured Settlements and Furnishing of Bonds Proposed Amendment: N.J.A.C. 11:27-10.3 Authorized

More information

Donald Bryan, Acting Commissioner, Department of Banking and Insurance. Authority: N.J.S.A.17:1-8.1, 17:1-15e and 17:30D-31. (P.L. 2004 c.

Donald Bryan, Acting Commissioner, Department of Banking and Insurance. Authority: N.J.S.A.17:1-8.1, 17:1-15e and 17:30D-31. (P.L. 2004 c. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medical Malpractice Insurance Prohibited Premium Increase Proposed Amendment: N.J.A.C. 11:27-5.3 Authorized By: Donald Bryan, Acting

More information

Trade Member Discrimination, Marketing and Advertising: Discrimination in

Trade Member Discrimination, Marketing and Advertising: Discrimination in LAW AND PUBLIC SAFETY DIVISION OF ALCOHOLIC BEVERAGE CONTROL Trade Member Discrimination, Marketing and Advertising: Discrimination in Terms of Sale; Disciplinary Proceedings: Penalty Schedule, definition

More information

Holly C. Bakke, Commissioner, Department of Banking and Insurance.

Holly C. Bakke, Commissioner, Department of Banking and Insurance. Note: The Department's email address and fax number for the submission of public comments was inadvertently omitted from the copy of the proposal that appears in the New Jersey Register. They have been

More information

43 NJR 10(2) October 17, 2011 Filed September 21, 2011. Authorized By: Thomas B. Considine, Commissioner, Department of Banking and Insurance.

43 NJR 10(2) October 17, 2011 Filed September 21, 2011. Authorized By: Thomas B. Considine, Commissioner, Department of Banking and Insurance. INSURANCE 43 NJR 10(2) October 17, 2011 Filed September 21, 2011 DEPARTMENT OF BANKING AND INSURANCE OFFICE OF CONSUMER PROTECTION SERVICES Producer Licensing Participation in National Insurance Producer

More information

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Administration Proposed Readoption with Amendments: N.J.A.C. 11:1 Authorized By: Donald Bryan, Acting Commissioner, Department of Banking

More information

Proposed Repeals and New Rules: N.J.A.C. 11:3-8.4 and 8.5 and 11:3-8 Appendix. Proposed Repeals: N.J.A.C. 11:3-2.13, 19A.7, 35, 35A, 40, 44, and 47

Proposed Repeals and New Rules: N.J.A.C. 11:3-8.4 and 8.5 and 11:3-8 Appendix. Proposed Repeals: N.J.A.C. 11:3-2.13, 19A.7, 35, 35A, 40, 44, and 47 INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF PROPERTY AND CASUALTY OFFICE OF CONSUMER PROTECTION SERVICES Commercial Automobile Insurance Plan; New Jersey Personal Automobile Insurance Plan;

More information

Proposed Readoption: N.J.A.C. 11:21-11, 13, 15, 20 and 21; and 11:21 Appendix Exhibit BB, Parts 3, 4 and 5.

Proposed Readoption: N.J.A.C. 11:21-11, 13, 15, 20 and 21; and 11:21 Appendix Exhibit BB, Parts 3, 4 and 5. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Small Employer Health Benefits Program Proposed Readoption: N.J.A.C. 11:21-11, 13, 15, 20 and 21; and 11:21 Appendix Exhibit BB, Parts

More information

Authorized by: Holly C. Bakke, Commissioner, Department of Banking and Insurance.

Authorized by: Holly C. Bakke, Commissioner, Department of Banking and Insurance. INSURANCE DIVISION OF INSURANCE Health Benefit Plans Minimum Standards for Network-Based Health Benefit Plans Proposed New Rules: N.J.A.C. 11:22-5 Authorized by: Holly C. Bakke, Commissioner, Department

More information

Changes to the Benefit Levels and Policy Forms to Comply with State and Federal Law. Proposed Amendments: Exhibit F of the Appendix to N.J.A.C.

Changes to the Benefit Levels and Policy Forms to Comply with State and Federal Law. Proposed Amendments: Exhibit F of the Appendix to N.J.A.C. INSURANCE DEPARTMENT OF BANKING AND INSURANCE INDIVIDUAL HEALTH COVERAGE PROGRAM Changes to the Benefit Levels and Policy Forms to Comply with State and Federal Law Proposed Amendments: Exhibit F of the

More information

Actuarial Services Preferred Mortality Tables for Use In Determining Minimum Reserve Liabilities

Actuarial Services Preferred Mortality Tables for Use In Determining Minimum Reserve Liabilities INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Actuarial Services Preferred Mortality Tables for Use In Determining Minimum Reserve Liabilities Proposed New Rules: N.J.A.C. 11:4-27A

More information

Division of Criminal Justice. Calendar Reference: See Summary below for an explanation of the. exception to the calendar requirement.

Division of Criminal Justice. Calendar Reference: See Summary below for an explanation of the. exception to the calendar requirement. DEPARTMENT OF LAW AND PUBLIC SAFETY DIVISION OF CRIMINAL JUSTICE Administration of Victim Witness Advocacy Fund Proposed Readoption: N.J.A.C. 13:78 Authorized By: Vaughn L. McKoy, Director Division of

More information

Steven M. Goldman, Commissioner, Department of Banking and Insurance. N.J.S.A. 17:1-8.1, 17:1-15e and 17:23-20 et seq.

Steven M. Goldman, Commissioner, Department of Banking and Insurance. N.J.S.A. 17:1-8.1, 17:1-15e and 17:23-20 et seq. INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF SOLVENCY REGULATION Annual Audited Financial Reports Qualifications of Independent Certified Public Accountants Proposed Amendments: N.J.AC. 11:2-26.3

More information

General Policies and Procedures; Refund claim procedures Proposed Amendment: N.J.A.C. 18:2-5.8

General Policies and Procedures; Refund claim procedures Proposed Amendment: N.J.A.C. 18:2-5.8 TREASURY TAXATION DIVISION OF TAXATION General Policies and Procedures; Refund claim procedures Proposed Amendment: N.J.A.C. 18:2-5.8 Authorized By: Robert K. Thompson, Director, Division of Taxation Authority:

More information

Administration Manual; AFDC-Related Medicaid; Medically Needy Program; Proposed Amendments: N.J.A.C. 10:49-10.3 and 10:49 Appendix, 10:69-2.

Administration Manual; AFDC-Related Medicaid; Medically Needy Program; Proposed Amendments: N.J.A.C. 10:49-10.3 and 10:49 Appendix, 10:69-2. HUMAN SERVICES 45 NJR 4(1) April 1, 2013 Filed March 5, 2013 DIVISION OF MEDICAL ASSISTANCE AND HEALTH SERVICES Administration Manual; AFDC-Related Medicaid; Medically Needy Program; Medicaid Only; New

More information

39 N.J.R. 16(a) NEW JERSEY REGISTER Copyright 2006 by the New Jersey Office of Administrative Law. 39 N.J.R. 16(a)

39 N.J.R. 16(a) NEW JERSEY REGISTER Copyright 2006 by the New Jersey Office of Administrative Law. 39 N.J.R. 16(a) Page 1 NEW JERSEY REGISTER Copyright 2006 by the New Jersey Office of Administrative Law VOLUME 39, ISSUE 1 ISSUE DATE: JANUARY 2, 2007 RULE PROPOSALS LABOR AND WORKFORCE DEVELOPMENT DIVISION OF EMPLOYER

More information

Proposed Readoption and Recodification with Amendments: N.J.A.C. 12A:9 as 17:45

Proposed Readoption and Recodification with Amendments: N.J.A.C. 12A:9 as 17:45 NEW JERSEY DEPARTMENT OF THE TREASURY DEVELOPMENT OF SMALL, WOMEN AND MINORITY BUSINESSES Proposed Readoption and Recodification with Amendments: N.J.A.C. 12A:9 as 17:45 Authorized By: R. David Rousseau,

More information

Third Party Administrators of Health Benefits and Third Party Billing Services

Third Party Administrators of Health Benefits and Third Party Billing Services INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Third Party Administrators of Health Benefits and Third Party Billing Services Adopted New Rules: N.J.A.C. 11:23 Proposed: Adopted: and

More information

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance.

Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Life Insurance Solicitation Proposed Repeals and New Rules: N.J.A.C. 11:4 11 Authorized By: Steven M. Goldman, Commissioner, Department

More information

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance

Authorized By: Donald Bryan, Acting Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Actuarial Services Proposed Readoption with Amendments: N.J.A.C. 11:4 Authorized By: Donald Bryan, Acting Commissioner, Department of

More information

42 NJR 7(1) July 6, 2010 Filed June 14, 2010

42 NJR 7(1) July 6, 2010 Filed June 14, 2010 INSURANCE 42 NJR 7(1) July 6, 2010 Filed June 14, 2010 DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Health Benefit Plans Prompt Payment of Claims Adopted Amendment: N.J.A.C. 11:22-1.6 Proposed:

More information

DIVISION OF HEALTH INFRASTRUCTURE PREPAREDNESS AND. Mobility Assistance Vehicle and Basic Life Support Ambulance Services

DIVISION OF HEALTH INFRASTRUCTURE PREPAREDNESS AND. Mobility Assistance Vehicle and Basic Life Support Ambulance Services HEALTH AND SENIOR SERVICES PUBLIC HEALTH SERVICES BRANCH DIVISION OF HEALTH INFRASTRUCTURE PREPAREDNESS AND EMERGENCY RESPONSE OFFICE OF EMERGENCY MEDICAL SERVICES Mobility Assistance Vehicle and Basic

More information

SUBCHAPTER A. AUTOMOBILE INSURANCE DIVISION 3. MISCELLANEOUS INTERPRETATIONS 28 TAC 5.208

SUBCHAPTER A. AUTOMOBILE INSURANCE DIVISION 3. MISCELLANEOUS INTERPRETATIONS 28 TAC 5.208 Part I. Texas Department of Insurance Page 1 of 12 SUBCHAPTER A. AUTOMOBILE INSURANCE DIVISION 3. MISCELLANEOUS INTERPRETATIONS 28 TAC 5.208 INTRODUCTION. The Texas Department of Insurance proposes new

More information

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance.

Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance. INSURANCE DIVISION OF INSURANCE Actuarial Services Benefit Standards for Infertility Coverage Proposed New Rules: N.J.A.C. 11:4-54 Authorized By: Holly C. Bakke, Commissioner, Department of Banking and

More information

Proposed Readoption of Special Adoption with Amendments: N.J.A.C. 2:32A

Proposed Readoption of Special Adoption with Amendments: N.J.A.C. 2:32A AGRICULTURE DIVISION OF MARKETING AND DEVELOPMENT Standardbred Development Fund Program of Sire Stakes Program Proposed Readoption of Special Adoption with Amendments: N.J.A.C. 2:32A Authorized by: New

More information

Proposed New Rules: N.J.A.C. 11:20-3A, 6, 7 and 18 and 11:20 Appendix Exhibits E and J

Proposed New Rules: N.J.A.C. 11:20-3A, 6, 7 and 18 and 11:20 Appendix Exhibits E and J INSURANCE DEPARTMENT OF BANKING AND INSURANCE OFFICE OF LIFE AND HEALTH Individual Health Coverage Program Policy Forms; Carriers Informational Rate Filing Requirements; Loss Ratio and Refund Reporting

More information

Authorized By: Richard E. Constable, III, Commissioner, Department of Community

Authorized By: Richard E. Constable, III, Commissioner, Department of Community COMMUNITY AFFAIRS 46 NJR 1(2) January 21, 2014 Filed December 27, 2013 DIVISION OF CODES AND STANDARDS Uniform Construction Code Flood-Resistant Construction Proposed Amendments: N.J.A.C. 5:23-2.15 and

More information

Authorized By: New Jersey Racing Commission, Frank Zanzuccki, Executive Director

Authorized By: New Jersey Racing Commission, Frank Zanzuccki, Executive Director LAW AND PUBLIC SAFETY NEW JERSEY RACING COMMISSION Horse Racing Daily Double Daily Doubles on a Single Race Day Proposed Amendment: N.J.A.C. 13:70-29.48 Authorized By: New Jersey Racing Commission, Frank

More information

Third-Party Liability (TPL); Reimbursement for Third-Party Claims; Medicare/Medicaid

Third-Party Liability (TPL); Reimbursement for Third-Party Claims; Medicare/Medicaid HUMAN SERVICES 45 NJR 1(2) January 22, 2013 Filed January 3, 2013 DIVISION OF MEDICAL ASSISTANCE AND HEALTH SERVICES Administration Manual and Hospital Services Manual Third-Party Liability (TPL); Reimbursement

More information

Proposed Amendments: N.J.A.C. 3:25-1.1, 2.1, 2.2, 2.3, 2.4, 3.1, 3.2, and 3.3.

Proposed Amendments: N.J.A.C. 3:25-1.1, 2.1, 2.2, 2.3, 2.4, 3.1, 3.2, and 3.3. BANKING DEPARTMENT OF BANKING AND INSURANCE DIVISION OF BANKING Debt Adjustment and Credit Counseling High-Cost Home Loan Credit Counselors Proposed Amendments: N.J.A.C. 3:25-1.1, 2.1, 2.2, 2.3, 2.4, 3.1,

More information

MASSOOD & BRONSNICK, LLC COUNSELLORS AT LAW. 50 PACKANACK LAKE ROAD EAST Wayne, New Jersey 07470-6663 (973) 696-1900 Fax (973) 696-4211 PIP ALERT

MASSOOD & BRONSNICK, LLC COUNSELLORS AT LAW. 50 PACKANACK LAKE ROAD EAST Wayne, New Jersey 07470-6663 (973) 696-1900 Fax (973) 696-4211 PIP ALERT JOSEPH A. MASSOOD ANDREW R. BRONSNICK * PETER J. DE FRANK+ KIMBERLY A. KOPP NOEL SANTORELLI ^ MARIANNE BORBAR ^ KIM E. SPARANO Certified by the Supreme Court of New Jersey as a Civil Trial Attorney MASSOOD

More information

General Provisions Miscellaneous and Mortgage Loans, Fees, and Obligations

General Provisions Miscellaneous and Mortgage Loans, Fees, and Obligations BANKING DEPARTMENT OF BANKING AND INSURANCE DIVISION OF BANKING General Provisions Miscellaneous and Mortgage Loans, Fees, and Obligations Department Organization-Nonpublic Records Residential Mortgage

More information

Summary. The New Jersey Division on Civil Rights (Division), in the Department of Law and Public

Summary. The New Jersey Division on Civil Rights (Division), in the Department of Law and Public DEPARTMENT OF LAW AND PUBLIC SAFETY DIVISION ON CIVIL RIGHTS Advertisement Relating to Real Property Proposed Readoption with Amendments: N.J.A.C. 13:9 Authorized By: J. Frank Vespa-Papaleo, Esq., Director,

More information

HEALTH FACILITIES EVALUATION AND LICENSING DIVISION. Authorized by: Poonam Alaigh, MD, MSHCPM, FACP,

HEALTH FACILITIES EVALUATION AND LICENSING DIVISION. Authorized by: Poonam Alaigh, MD, MSHCPM, FACP, HEALTH AND SENIOR SERVICES SENIOR SERVICES AND HEALTH SYSTEMS BRANCH HEALTH FACILITIES EVALUATION AND LICENSING DIVISION OFFICE OF CERTIFICATE OF NEED AND HEALTHCARE FACILITY LICENSURE Safe Patient Handling

More information

Pursuant to the authority vested in the Commissioner of Health by Article 33 of the

Pursuant to the authority vested in the Commissioner of Health by Article 33 of the Electronic Prescriptions and Records for Hypodermic Needles and Hypodermic Syringes Effective date: 10/9/13 Pursuant to the authority vested in the Commissioner of Health by Article 33 of the Public Health

More information

QUALCARE AMENDMENT TO PROVIDER NETWORK PARTICIPATION AGREEMENT

QUALCARE AMENDMENT TO PROVIDER NETWORK PARTICIPATION AGREEMENT QUALCARE AMENDMENT TO PROVIDER NETWORK PARTICIPATION AGREEMENT This AMENDMENT (the Amendment ) amends that certain Provider Network Participation Agreement (the Agreement ) by and between QualCare and

More information

Senate Bill No. 1665 CHAPTER 864

Senate Bill No. 1665 CHAPTER 864 Senate Bill No. 1665 CHAPTER 864 An act to amend Section 2060 of, and to add Section 2290.5 to, the Business and Professions Code, to amend Sections 1367 and 1375.1 of, and to add Sections 1374.13 and

More information

Filing Requirements for Policies, Certificates and Premium Rates

Filing Requirements for Policies, Certificates and Premium Rates INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Medicare Supplement Coverage Filing Requirements for Policies, Certificates and Premium Rates Notice to Policyholders of Rate Increases

More information

Offset of State Lottery Prizes to Satisfy Defaulted Federal and State Student Loans

Offset of State Lottery Prizes to Satisfy Defaulted Federal and State Student Loans TREASURY-GENERAL OFFICE OF THE STATE TREASURER Offset of State Lottery Prizes to Satisfy Defaulted Federal and State Student Loans Proposed Readoption: N.J.A.C. 17:43 Authorized By: R. David Rousseau,

More information

Group Life, Group Health and Blanket Insurance: General Standards for Contract Provisions

Group Life, Group Health and Blanket Insurance: General Standards for Contract Provisions INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Actuarial Services Group Life, Group Health and Blanket Insurance: General Standards for Contract Provisions Proposed Amendments: N.J.A.C.

More information

New Jersey Racing Commission, Frank Zanzuccki, Executive Director. See Summary below for explanation of exception to calendar requirement.

New Jersey Racing Commission, Frank Zanzuccki, Executive Director. See Summary below for explanation of exception to calendar requirement. LAW AND PUBLIC SAFETY NEW JERSEY RACING COMMISSION Horse Racing Elimination of Wagering Proposed Amendment: N.J.A.C. 13:70-29.19 Authorized By: New Jersey Racing Commission, Frank Zanzuccki, Executive

More information

Application forms for motor vehicle insurance Sec. 17:33(A-6) All claim forms Sec. 17:33(A-6)

Application forms for motor vehicle insurance Sec. 17:33(A-6) All claim forms Sec. 17:33(A-6) Fraud Warning Application forms for motor vehicle insurance Sec. 17:33(A-6) All claim forms Sec. 17:33(A-6) Section 17:33(A-6) motor vehicle insurance Language is permissive, but must be approved by the

More information

REPORT ON LIFE SETTLEMENTS ACT TO THE 24 TH LEGISLATURE

REPORT ON LIFE SETTLEMENTS ACT TO THE 24 TH LEGISLATURE REPORT ON LIFE SETTLEMENTS ACT TO THE 24 TH LEGISLATURE Submitted Pursuant to Act 177, Session Laws of Hawaii (2008) Prepared by the Insurance Division Department of Commerce and Consumer Affairs State

More information

September 18, 2002 by Holly C. Bakke, Commissioner, Department of Banking and Insurance

September 18, 2002 by Holly C. Bakke, Commissioner, Department of Banking and Insurance INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Organized Delivery Systems Adopted New Rules: N.J.A.C. 11:22-4 Proposed: January 7, 2002 at 34 N.J.R. 20(a) Adopted: September 18, 2002

More information

Adopted Amendments: N.J.A.C. 11:3-33, Appendix A and Appendix B

Adopted Amendments: N.J.A.C. 11:3-33, Appendix A and Appendix B INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Appeals from Denial of Automobile Insurance Adopted Amendments: N.J.A.C. 11:3-33, Appendix A and Appendix B Proposed: March 1, 2004 at

More information

May 24, 2006 by Steven M. Goldman, Commissioner, Department of Banking and Insurance.

May 24, 2006 by Steven M. Goldman, Commissioner, Department of Banking and Insurance. BANKING. DEPARTMENT OF BANKING AND INSURANCE DIVISION OF BANKING Dedicated Funding Assessment Adopted New Rules: N.J.A.C. 3:5 Proposed: Adopted: January 3, 2006 at 38 N.J.R. 20(a). May 24, 2006 by Steven

More information

2 of 142 DOCUMENTS. NEW JERSEY REGISTER Copyright 2007 by the New Jersey Office of Administrative Law. 39 N.J.R. 1628(a)

2 of 142 DOCUMENTS. NEW JERSEY REGISTER Copyright 2007 by the New Jersey Office of Administrative Law. 39 N.J.R. 1628(a) Page 1 2 of 142 DOCUMENTS NEW JERSEY REGISTER Copyright 2007 by the New Jersey Office of Administrative Law VOLUME 39, ISSUE 9 ISSUE DATE: MAY 7, 2007 RULE PROPOSALS LABOR AND WORKFORCE DEVELOPMENT DIVISION

More information

REFERENCE ACTION ANALYST STAFF DIRECTOR or BUDGET/POLICY CHIEF. 1) Insurance & Banking Subcommittee 13 Y, 0 N, As CS Cooper Cooper

REFERENCE ACTION ANALYST STAFF DIRECTOR or BUDGET/POLICY CHIEF. 1) Insurance & Banking Subcommittee 13 Y, 0 N, As CS Cooper Cooper HOUSE OF REPRESENTATIVES STAFF ANALYSIS BILL #: CS/HB 1227 Surplus Lines Insurance SPONSOR(S): Insurance & Banking Subcommittee, Hager TIED BILLS: IDEN./SIM. BILLS: SB 1816 REFERENCE ACTION ANALYST STAFF

More information

Authorized By: New Jersey Housing and Mortgage Finance Agency, Anthony L. Marchetta,

Authorized By: New Jersey Housing and Mortgage Finance Agency, Anthony L. Marchetta, COMMUNITY AFFAIRS NEW JERSEY HOUSING AND MORTGAGE FINANCE AGENCY Low Income Housing Tax Credit Qualified Allocation Plan Volume Cap Credits Proposed Amendment: N.J.A.C. 5:80-33.9 Authorized By: New Jersey

More information

PROJECT NO. 24462 PROPOSAL FOR PUBLICATION OF NEW 25.88 AS APPROVED AT THE SEPTEMBER 25, 2002 OPEN MEETING

PROJECT NO. 24462 PROPOSAL FOR PUBLICATION OF NEW 25.88 AS APPROVED AT THE SEPTEMBER 25, 2002 OPEN MEETING PROJECT NO. 24462 PERFORMANCE MEASURES FOR THE RETAIL ELECTRIC MAKRET PUBLIC UTILITY COMMISSION OF TEXAS PROPOSAL FOR PUBLICATION OF NEW 25.88 AS APPROVED AT THE SEPTEMBER 25, 2002 OPEN MEETING The Public

More information

AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36.

AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36. NEW JERSEY 11:3-36.2 AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36. Authority N.J.S.A. 17:33B-33. Source and Effective Date R.1991, d.95, effective January 25, 1991 (original

More information

PO BOX 628. Christopher Trappe. Division of Revenue P.O. Box 628 Trenton, NJ 08646-0628 christopher.trappe@treas.state.nj.us

PO BOX 628. Christopher Trappe. Division of Revenue P.O. Box 628 Trenton, NJ 08646-0628 christopher.trappe@treas.state.nj.us STATE OF NEW JERSEY DEPARTMENT OF THE TREASURY JON S. CORZINE DIVISION OF REVENUE R. DAVID ROUSSEAU GOVERNOR PO BOX 628 STATE TREASURER TRENTON, NJ 08625 To: From: The State House Press Christopher Trappe

More information